Peer Analysis
Performance Ratios (%) SBKK Peer Median Peer Average
ROAA 1.21 1.00 1.05
ROAE 8.09 9.42 10.47
Net Interest Margin 4.34 4.16 4.04
Efficiency Ratio 51.76 65.87 62.51
Loans / Deposits 76.89 80.99 80.33
Asset Quality Ratios (%)
NPAs / Assets 0.42 0.31 0.96
NCOs / Avg Loans 0.23 0.00 (0.02)
Reserves / Loans 0.89 1.36 1.42
Reserves / NPAs 136.91 104.24 217.93
Capital Ratios (%)
Tier 1 Capital 13.80 14.57 13.80
Tangible Equity / Tangible Assets 11.23 10.36 10.32
Total Equity / Total Assets 14.79 10.36 10.37
Market Ratios
Price / Earnings (x) 8.60 8.53 8.82
Price / Book (%) 64.33 94.56 111.49
Dividend Yield (%) 0.00 0.00 0.87
Data for trailing four quarters

Suncrest Bank's peer group consists of the following: Communities First Financial Corporation (CFST), Community 1st Bancorp, Folsom Lake Bank, Mission Bancorp (MSBC), Pacific Valley Bank (PVBK), Security First Bank, United Security Bancshares (UBFO), Valley Commerce Bancorp, Valley Republic Bancorp (VLLX)

Suncrest Bank's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Security First Bank's financial data is as of 9/30/2016.
Valley Commerce Bancorp's financial data is as of 12/31/2016.
Folsom Lake Bank's financial data is as of 6/30/2017.
Community 1st Bancorp's financial data is as of 9/30/2017.